At Vault tree we understand the process of accessing mortgages can be challenging whether it is investing in a commercial space or a dream home. Partnering with some of the most reputable institutions in the lending industry that makes it possible to provide solutions that align to your requirements. Our team of experts will guide you through the process whether it is for a new purchase or a resale purchase and get you various financing options that would suit and align with your financial needs and realize the endless possibility for you as an individual or institution achieve your financial goals. Weather you planning to purchase a property as part of an addition to your existing portfolio or looking for personal or long-term investment. our team of mortgage consultants are here to help you plan and take care of all the heavy lifting involved.
Having challenges on how to own a property???
This is where a mortgage can be of great help, enabling you to purchase real estate without having to outlay a huge amount of cash flow upfront and making sure your finances are kept balanced.
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Mortgage loans Facilities are open to all eligible Expatriates as well as eligible Non-residents.
There are convenient ways to get in touch with us
21 years or older for UAE residents (National / Expatriates) and Non-residents
Hybrid Rate Option: This type of rate option allows Customers to fix their applicable interest for a short period, after which the interest rate shifts to applicable variable rate, which is based on relevant EIBOR + Margin.
Variable Rate Option: Commonly known as a floating rate Loan where the Loan is variable from inception. The variable rate offered is relevant EIBOR + Margin.
Non-residents for a maximum period of 15 years. However please note, that at the time of maturity the maximum loan tenor should not cross 65 years of age if salaried resident, 70 years of age if self-employed resident and 60 years of age if Non-resident.
Yes, you may do this by submitting fresh financial documents (i.e. Bank statements, income statements etc) and it will be subject to Bank’s approval. A rescheduling fee may apply.
| SR No | Salaried | Self-employed |
| 01 | Completed application form | Completed application form |
| 02 | Preposed Property Documents and source of Down Payment | Proof of booked property (if any) Declaration of source of down-payment |
| 03 | Valid Passport, Visa & EIDA Card copy | Valid Passport, Visa & EIDA Card copy |
| 04 | Last 6 months bank statements copy | Last 6 months bank statements copy for both personal and company accounts |
| 05 | Salary Certificate, issued to ADCB and dated 30 days or less from date of loan application | Last 2 years audited financial statements copy (For loan value greater than AED 2.5 Million) |
| 06 | Salary transfer letter (if transferring salary to ADCB) | Valid Trade License copy (If applicable: Memorandum of Association/Articles of Association/Share Certificates) |
| 07 | Details of existing loans/liabilities | Details of existing loans/liabilities |
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At Vault Tree, our commitment to you, our valued clients, is at the core of everything we do.
info@vaulttree.co
1834 / Burjuman Business Tower Dubai UAE
+971 50 431 2374
+971 42512483
Copyright © 2023 Vaulttree – All Rights Reserved.
The types of home loans available in the United Arab Emirates are broadly categorized as follows:
Fixed-Rate Home Loan: During the course of the loan, the interest rate on a fixed-rate home loan stays constant. This kind of loan is good for people who wish to arrange their finances ahead of time because it offers consistency and predictability in terms of monthly payments.
Variable-Rate Home Loan: Under this type of loan, the interest rate may fluctuate over the course of the loan term in response to changes in the market. Interest rates on this kind of loan are flexible and may increase or decrease based on the state of the market.
Islamic Home Financing: Based on the tenets of Islamic finance, Islamic home financing—also referred to as Sharia-compliant home financing—is a form of funding. This kind of home financing is arranged as a partnership between the borrower and the bank and is free of interest (riba).
VAULTTREE is able to assist! It can be annoying to deal with every step of the loan buyout (LBO) process. Purchase loans in Dubai, United Arab Emirates, are becoming so popular that they are now being offered at extremely high interest rates. In addition to having a large number of mortgage brokers, VAULTTREE is the top mortgage brokerage service provider in Dubai because we give prospective clients access to these extra funds with lower monthly payments.
Do you need a bigger new mortgage than you currently have in order to convert the equity in your home into cash?
Our team of experienced mortgage brokers in Dubai, VAULTTREE is eager to present you to the Refinance and Equity Release programs provided by a number of reliable banks. With your home equity, you will be able to obtain the necessary lump sum cash to meet your needs. Your dream house could be yours with just one small approval in the Principle document. No matter how complicated the circumstances,VAULTTREE knowledgeable mortgage brokers in Dubai will offer you competent support for all of your mortgage-related implementations. Tasks that should take months to finish are finished in just one week. There’s a reason why they’re the best mortgage brokers in the UAE!
| SR No | Salaried | Self-employed |
| 01 | Completed application form | Completed application form |
| 02 | Preposed Property Documents and source of Down Payment | Proof of booked property (if any) Declaration of source of down-payment |
| 03 | Valid Passport, Visa & EIDA Card copy | Valid Passport, Visa & EIDA Card copy |
| 04 | Last 6 months bank statements copy | Last 6 months bank statements copy for both personal and company accounts |
| 05 | Salary Certificate, issued to ADCB and dated 30 days or less from date of loan application | Last 2 years audited financial statements copy (For loan value greater than AED 2.5 Million) |
| 06 | Salary transfer letter (if transferring salary to ADCB) | Valid Trade License copy (If applicable: Memorandum of Association/Articles of Association/Share Certificates) |
| 07 | Details of existing loans/liabilities | Details of existing loans/liabilities |